Guaranty Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 2297.1% in Q2 2026, from $2.3M to $54.4M. It was the largest change from Q1 2026 among the key lines here. Within Mississippi, Guaranty Bank and Trust Company is 15th of 57 on loan-to-deposit ratio, 83.24% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Guaranty Bank and Trust Company sits 4.96 points lower, at 83.24% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $158.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $688.9M |
| Fed funds sold and reverse repos | $2.6M |
| Fed funds sold and reverse repos to assets | 0.09% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $54.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.77% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.24% |
| Net loans and leases to deposits | 82.07% |
| Loans and leases to core deposits | 94.88% |
| Core deposits to total deposits | 81.40% |
| Brokered deposits to total deposits | 6.33% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 79.83% | 86.43% | $0 | $195.3M |
| Q4 2023 | 85.41% | 89.37% | $0 | $345.5M |
| Q1 2024 | 79.50% | 83.65% | $0 | $141.8M |
| Q2 2024 | 84.47% | 82.29% | $0 | $251.9M |
| Q3 2024 | 86.67% | 83.22% | $0 | $281.7M |
| Q4 2024 | 87.26% | 81.51% | $0 | $239.9M |
| Q1 2025 | 83.83% | 82.27% | $0 | $186.6M |
| Q2 2025 | 85.25% | 79.39% | $0 | $140.5M |
| Q3 2025 | 84.13% | 78.81% | $0 | $192.7M |
| Q4 2025 | 80.58% | 77.09% | $0 | $2.3M |
| Q1 2026 | 79.29% | 81.10% | $0 | $2.3M |
| Q2 2026 | 83.24% | 81.40% | $0 | $54.4M |
Guaranty Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Guaranty Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Guaranty Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15953) · FFIEC NIC profile (RSSD 84541)